VT Barclays Partner Finance

[Jpm]

Hello, im in Scotland and took out PCP in January 2019. Im nearly 2 years into a 4 year contract, I have paid at least 1/3 off my balance. It states my termination amount is £9989 but I still owe roughly £13k. Plus the fact I have went over my contracted milage hugely. I advised I would use about 8k per year, but when I got the car it had 44k miles, im nearly at 74k, so used nearer 15k per year. I have always serviced the car and recently had a MOT, which passed, but they have advised that the 'flywheel' is about to go and can cost at least £2000.
All my circumstances have changed since i got the car, I am now out of work with ill health, I had major heart surgery and my excess millage is due to constant hospital appointments.
I have maintained my direct debits up until now, however I'm really struggling. Can I request VT early? I am panicking incase the car breaks down and I will have the flywheel payment on top of what I owe? Any help or advice will be hugely appreciated. Thank you

[Jpm]

R0b Daisy007

[R0b]

Suggest you read the VT guide below, it has everything to help you. It is optional, but you may want to give reasons for the termination i.e. ill-health, so it is on record but omit any reference excess mileage until it is raised. If you needed to make a complaint to the FOS, you could use that to your advantage and Barclays cannot complain that they weren't aware of the situation.

A Guide to Voluntary Termination - Your Rights